“Mrs Henderson purchased a travel insurance policy, which in common with other travel insurance policies, excludes cover for all pre-existing medical conditions unless the customer has declared their pre-existing medical conditions, and paid any additional necessary premium to enable them to have coverage for these pre-existing medical conditions.

“At the time of purchasing her policy when asked questions in relation to her health, Mrs Henderson did not disclose that she had any pre-existing medical health issues and therefore cover was not provided for her conditions.

“However, following Mrs Henderson’s unfortunate admission to hospital, it became apparent that she did in fact have pre-existing medical conditions.

“The medical information from both the hospital treating Mrs Henderson and her GP revealed she had a complex medical history, which she had failed to disclose at the time of purchasing her policy.

“Given Mrs Henderson’s admission to hospital was considered related to her undisclosed and therefore excluded pre-existing medical history, we had no choice but to decline the claim.

“In these circumstances, whilst the claim was declined, we continued to remain in contact with the family to monitor Mrs Henderson’s wellbeing.

“This involved providing assistance as much as possible on a non-financial basis including looking into repatriating Mrs Henderson to the UK.

“Sadly we understand that Mrs Henderson passed away before she could be repatriated.